6771 Dixie Valley RdChilcootCA96105
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6771 Dixie Valley Rd, Chilcoot, CA, 96105 in Chilcoot is capital appreciation. Rental yield 5.04%. The 5.04% gross yield at $325,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $89,792 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.93) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $81,690.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.5% |
| Monthly Cash Flow | $(646) | $1,200 |
City averages based on Chilcoot market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,364 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Home Type Unknown
Built in 2006
26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96105, Chilcoot, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 157 (64.9%) |
| Renter Occupied HU | 45 (18.6%) |
| Vacant Housing Units | 40 (16.5%) |
| Median Home Value | $514,113 |
| Average Home Value | $634,315 |
Housing Distribution
Address Breakdown
Residential
17
Single Family
17
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Home Type Unknown
Built in 2006
26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96105, Chilcoot, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 157 (64.9%) |
| Renter Occupied HU | 45 (18.6%) |
| Vacant Housing Units | 40 (16.5%) |
| Median Home Value | $514,113 |
| Average Home Value | $634,315 |
Housing Distribution
Address Breakdown
Residential
17
Single Family
17
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A